The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,422
−HK$288/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,420/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,165
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$276/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,428/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,965
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$346/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,304/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,198
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$332/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,792
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$405/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$827/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$387/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,000/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$520/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$1,063/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$498/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,536 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).